Wednesday, November 12, 2025 / by Ryan Huemmer
The Huemmer Home Team - Your Madison Real Estate Experts
First-Time Homebuyers Face Historic Challenges in Madison and Beyond
If you're trying to break into the Madison housing market, you're not alone in feeling frustrated. Recent data from the National Association of Realtors reveals a troubling trend that's affecting aspiring homeowners across Wisconsin and the nation: first-time buyers are being squeezed out of the market at record rates.
The Numbers Tell a Stark Story
The latest housing report shows that first-time buyers now account for only about 20% of all home sales, a historic low and roughly half the percentage from a generation ago. Even more striking? The average age of first-time buyers has climbed to 40 years old, while the typical homebuyer is now 59.
"These statistics reflect real challenges we're seeing right here in Madison," says Amber Huemmer. "Young families and professionals who should be building equity are instead stuck renting, watching the mark ...
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Friday, October 31, 2025 / by Ryan Huemmer
What the Fed did & how it affects mortgages
Imagine that banks lend money to each other overnight, and that rate is set by the Federal Reserve (the “Fed”). Yesterday the Fed dropped that key overnight rate by 0.25% (25 basis points). In very simple terms: the Fed made it cheaper for banks to borrow money.
Now: does that mean your mortgage (which is a long-term loan like 30 years) goes down by exactly 0.25%? Not automatically. Here’s how the process works:
Because banks can borrow more cheaply, in theory they might pass some of that savings to borrowers (people like you getting a home loan).
But 30-year fixed mortgage rates aren’t tied directly to the overnight Fed rate. Instead, they follow long-term interest rates and investor expectations (for example the yield on 10-year U.S. Treasury bonds) because lenders want to know what the money they lend now will cost them for many years.
So when the Fed cuts its rate, sometimes mortgage rates ...
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Friday, October 24, 2025 / by Ryan Huemmer
New Single-Family Home Listings in Dane County, WI – Week of October 20th, 2025
Your trusted real estate experts at The Huemmer Home Team with LPT Realty bring you this week's complete market report featuring 58 fresh listings.
Market Snapshot: Week of October 20-24, 2025
This week brought an impressive wave of new inventory to Dane County, with 58 single-family homes hitting the market. The diversity of options spans from affordable starter homes to luxury estates, providing opportunities for buyers at every price point.
This Week's Market Statistics:
Total New Listings: 58 properties
Price Range: $264,900 - $1,600,000
Average List Price: $560,543
Median List Price: $479,950
Total Market Value: $32,511,524
What This Means for Buyers: The median price of $479,950 represents excellent value compared to recent months, and the variety of listings means buyers have genuine choices across communities and price ranges.
TOP 5 BEST VALUE DEALS THIS WEEK
#1 BEST ...
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Friday, October 10, 2025 / by Ryan Huemmer
How Much House Can I Afford in Madison, WI?
If you're considering buying a home in Madison, Wisconsin, one of the first questions you'll ask yourself is, "How much house can I afford?" Understanding your budget before you start house hunting is crucial to making a smart investment and ensuring you're comfortable with your monthly payments. Madison's real estate market offers diverse opportunities, from charming bungalows near the Capitol Square to modern developments in Middleton and Sun Prairie, but knowing your financial limits will help you focus your search and make confident decisions.
Understanding Your Home Affordability in Madison
The amount of house you can afford depends on several factors including your income, existing debts, down payment, credit score, and current interest rates. A general rule of thumb used by many lenders is that your monthly housing payment should not exceed 28% of your gross monthly income. This is known as the front-end ratio. Additionall ...
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Saturday, September 27, 2025 / by Ryan Huemmer
Why Amber Huemmer is the Best Realtor in Madison, WI: Your Trusted Local Real Estate Expert
When searching for the best realtor in Madison, WI, homebuyers and sellers consistently turn to Amber Huemmer and The Huemmer Home Team for their exceptional service, local expertise, and proven track record. With deep roots in the Madison community and an unwavering commitment to client success, Amber has established herself as the premier choice for all your real estate needs in Wisconsin's capital city.
Unmatched Local Expertise in Madison's Real Estate Market
Amber Huemmer's intimate knowledge of Madison's diverse neighborhoods sets her apart as the top realtor in Madison, WI. From the historic charm of the Near East Side to the family-friendly communities of Middleton and the vibrant downtown condos, Amber understands the unique characteristics that make each area special.
Her expertise extends beyond surface-level knowledge to include:
Current ...
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